Archives for Insurance News

10 Healthy Habits for Seniors: Keeping up with the health necessities of your aging loved one is an overwhelming responsibility… Tracking their regular health check-ups, treatments, medications, and routine health maintenance can turn into a full-time job. Here’s a list to assist family caregivers in overseeing a senior’s health care needs. 1. Get Free Physicals – Medicare offers free physicals during the first 12 months upon joining the program. After the first year, seniors receive free annual wellness visits. The free assessment gives you a clear direction on what’s needed: If the relative can stay home, move to a nursingRead More

why Medicare matters AARP cover How Proposed Changes to Medicare Could Affect Your Wallet and Your Health Care AARP Bulletin, January/February 2017 Issue|Comments: 223 MEDICARE WORKS WONDERS for millions of American families, providing affordable access to today’s most advanced health care. Poll after poll invariably confirms its popularity. But will Medicare continue to work for us and for the next generations? That’s the question that Congress and the Trump administration will be asking in the coming months. At AARP, we continue to believe passionately in this program, which has allowed our citizens to age with dignity. In this special report,Read More

JUL 29, 2016 @ 06:19 PM 1,565 VIEWS The Little Black Book of Billionaire Secrets Short-Term Care Insurance Policies On The Rise In Niche Market Barbara Marquand , CONTRIBUTOR If you’re old enough to remember rotary-dial telephones and black-and-white television, then you’ve probably heard of long-term care insurance. It pays for help with routine activities, such as eating, bathing or dressing at home, or in assisted living or nursing facilities when you can’t take care of yourself during an illness or disability. Medicare and other health insurance policies cover medical expenses but not custodial care. People on average buy long-termRead More

Medicare & Medicaid News Medicare pushing hard for Medicare Advantage, Drug Plans as Open Enrollment begins This fact sheet may be helpful to seniors considering new options in Medicare for 2016 For Medicare information about Open Enrollment, click Oct. 13, 2015 – The Administration continues to boost of the growing benefits of Medicare Advantage and Part D programs as senior citizens begin to consider their options during the annual open enrollment period that begins Thursday, October 15 and runs through December 7. A recent Fact Sheet from the Centers for Medicare & Medicaid Services points out that almost a thirdRead More

CMS: It Cuts Deep Posted: 04/08/2015 2:18 pm EDT Updated: 06/08/2015 5:59 am EDT The future of effective and affordable health care for America is still a huge concern — and rightly so. But that concern couldn’t be more prevalent than in our seniors. You see, on February 20, the Centers for Medicare & Medicaid Services (CMS) proposed Medicare Advantage (MA) cuts for 2016 that will further slash a program that already has suffered significantly in recent years. Since 2010, there has been a 14 percent reduction in benefits to MA, including 10 percent in cuts in just the lastRead More

As we get older we become more prone to certain diseases and illnesses and therefore the number of doctor visits and appointments increase. Although in some cases there is nothing we can do to prevent getting sick, early detection does enhance the chance of survival. It is important to ensure that you do not miss any doctor’s appointments because some diseases do not necessarily have any symptoms that you can notice but they can end up being fatal. If you are already 65 or heading to 65, it is important to have a health check list to help you monitorRead More

While Medicare covers a wide array of health care services, it certainly doesn’t cover everything. If you need or want certain services that aren’t covered, you’ll have to pay for them yourself unless you have other insurance or you’re in a Medicare Advantage health plan, which may cover some of these services. Here’s a rundown of what original Medicare generally does not cover. Alternative medicine: This includes acupuncture or chiropractic services (except to fix subluxation of the spine), and other types of alternative or complementary care. Cosmetic surgery: Elective cosmetic procedures are not covered, however, certain surgeries may be ifRead More

Seniors who are approaching the age of 65 need to carefully consider how to choose a medicare health plan. Experts involved in taking care of the elderly recommend that seniors should opt for a health plan that has a committed team of medical doctors and specialists. But there are also several other things to consider when choosing medicare. Here are some of the most important ones: 1. Enroll at the Right Time The best time to enroll for medicare is during the 3-month period just before or after you turn 65. If you decide to enroll after this period, youRead More

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About Ryan Raphael

Owner/Broker of Senior Insurance Benefits LLC

Ryan Raphael is the owner/broker of Senior Insurance Benefits LLC, here in the greater St. Louis area. He has been in the insurance business since 2003 specializing in the senior market. He is licensed in both health/life and has helped thousands of people in both Missouri and Illinois with their important insurance needs.